if you have a plan before the law is passed march 23, 2010, or even a plan all the way up to the end of this year that you can keep it, wouldn't that solve a lot of problems and reassure many americans that they can have affordable health care? >> senator alexander, when we read the regulation back in 2010, that is exactly what we did. we grandfathered in existing plans. both of the employer market and individual market. there was a lot of back and forth about that regulation. so that is why we delayed it until basically the plans could be grandfathered over this period of time and we allowed the grandfathering to continue as long as it did not reduce benefits significantly, there were some things in place. we do put in step the ability to